scholarly journals Analisis faktor eksternal yang dipertimbangkan masyarakat muslim pesisir Tuban untuk mengunakan layanan Bank Thithil

IQTISHODUNA ◽  
2019 ◽  
Vol 1 (1) ◽  
pp. 17-38
Author(s):  
Ahmad Syaifudin ◽  
Marlina Ekawaty
Keyword(s):  
Factor Analysis ◽  
Financial Services ◽  
External Factor ◽  
Brand Image ◽  
Financial Institution ◽  
External Factors ◽  
The Public ◽  
Muslim Society ◽  
Two Factors ◽  
Depth Interviews

Bank Thithil is an informal financial institution that offers high-interest loan services to the public. This study aims to determine the external factors considered by coastal Muslim society to use bank thithil financial services. The data were collected through survey with questionnaires and in-depth interviews with bank thithil customers at Bulu Meduro village, Tuban regency and analyzed by exploratory factor analysis methods. The results show that there are eight external factors that are considered by customers to use bank thithil services, namely: loan compensation and accessibility factors, customer parity and service, transaction time flexibility, ease of administration, brand image, location excellence, member advantage, and limited institutional coverage syariah finance. From the results of external factor analysis, then analyzed in depth using interviews with several customers, it was found that there were two factors that became a strong drawer for Muslim society to use bank thithil services, namely the prime service factor of bank thithil and barriers of syariah  financial institutions.

scholarly journals IDENTIFIKASI PENYEBAB TIDAK OPTIMALNYA PENANGANAN PEMBIAYAAN BERMASALAH DI KSPS BMT ABC CABANG PEMBANTU KLM-SURABAYA

2020 ◽  
Vol 6 (5) ◽  
pp. 913
Author(s):  
Martha Dyah Puspita ◽  
Dian Filianti
Keyword(s):  
Financial Services ◽  
Qualitative Method ◽  
Financial Institution ◽  
Study Strategy ◽  
Exploratory Case Study ◽  
Standard Operating ◽  
Two Factors ◽  
Research Interview ◽  
The Impact

Sharia Financial Services Cooperative (KJKS) is a form of cooperative whose business activities are engaged in financing, investment, and deposits in accordance sharia principles. in relation to financial services in the form of such financing, in this case the Sharia Financial Services Cooperative (KJKS) will be faced with several risks, among others, is the risk of default on financing channeled and the existence of fraud action (fraud) committedby the management of the financial institution. The object of this research is KSPS BMT ABC Branch KLM-Surabaya.on the object of the study found that the total gross NPF until December 2016 reached 81.84%, in addition to the impact of high levels of Gross NPF is a loss to be borne until December 2016 amounted to Rp 354.715.664. Based on the results of pre-research interview with Mr. Muhammad stated that the cause of the loss due to there are two factors namely the existence of fraud (misconduct) in the form of misuse of funds by former employees and handling financing problems that can be optimally 30% of total troubled financing. The purpose of this study is to determine the cause of the non-optimal handling of troubled financing. Things that need to be reviewed in the process of handling pembiyaan problem is based on the phenomenon that occurs in the object of research. This research uses qualitative method with exploratory case study strategy. The results of research conducted by the researchers found that KSPS BMT ABC Branch KLM-Surabaya Assistant has a concept of mixing handling of non-performing financing based on standard operating procedures with the handling of troubled financing based on kinship.Keywords: Troubled Financing, Troubled Financing Handling, Fraud

scholarly journals Analisis Strategis dan Kunci Keberhasilan Badan Pengembangan Sumber Daya Manusia (BPSDM) Provinsi Jambi

2019 ◽  
Vol 4 (1) ◽  
pp. 118
Author(s):  
Lailatul Isnaini ◽  
Musfarita Affiani
Keyword(s):  
Factor Analysis ◽  
Swot Analysis ◽  
External Factor ◽  
Relevant Literature ◽  
External Environment ◽  
External Factors ◽  
Internal Environment ◽  
Internal Factor ◽  
Internal Factors ◽  
Main Method

This paper aims to determine 1) the internal environment BPSDM Prov. Jambi, 2) external environment BPSDM Prov. Jambi, and 3) what strategic alternatives that could be taken after the change in nomenclature BPSDM Prov. Jambi. The main method of this article is a review of the relevant literature and documentation were analyzed using analysis of internal factors (Internal Factor Analysis Summary), the analysis of external factors (External Factor Analysis Summary) and SWOT analysis.

Use of e-government services: the role of trust

2015 ◽  
Vol 10 (4) ◽  
pp. 622-633 ◽  
Author(s):  
Mercy Mpinganjira
Keyword(s):  
African Countries ◽  
Content Type ◽  
The Public ◽  
Government Services ◽  
Two Factors ◽  
Online Channel ◽  
Depth Interviews ◽  
Practical Implications ◽  
Structured Questionnaire

Purpose – The purpose of this paper is to investigate the role of trust in understanding usage of e-government services in South Africa. Of interest are services that involve two way interactions between citizens and government. Design/methodology/approach – Qualitative and quantitative data were collected from members of the public using in-depth interviews and a structured questionnaire, respectively. Findings – The findings show that trust in internet and in government as a provider of e-services are important factors that differentiates users and non-users of e-government services. The two factors are also significantly related to willingness to start using e-government services. Trust in e-service provider unlike trust in internet was however found to be a stronger differentiator of users and non-users and to have a stronger relationship with willingness to start using e-government services. Practical implications – Efforts aimed at promoting use of e-government services need to be based on a good understanding of factors that impact on citizens’ decisions in this regard. Such efforts need to include activities targeted at improving people’s trust in government’s ability to provide reliable and secure e-services. Originality/value – While provision of government services using the online channel is a growing phenomenon in most African countries, not much research has been done into what governments should focus on in order to entice more citizens to take up this channel. This study contributes to addressing this gap.

scholarly journals Persepsi Masyarakat Kota Medan Terhadap Penggunaan Financial Technology

2018 ◽  
Vol 3 (1) ◽  
pp. 184
Author(s):  
Tri Inda Fadhila Rahma
Keyword(s):  
Data Collection ◽  
Public Interest ◽  
Financial Services ◽  
Qualitative Method ◽  
Public Perception ◽  
Technology Innovation ◽  
The Public ◽  
Analysis Technique ◽  
Depth Interviews ◽  
Financial Technology

<span>This research aimed to find out the public perception of the use of financial technology (Fintech). The informant in this research is the citizen of Medan as a user fintech or not. Data collection techniques by using in-depth interviews to 10 informants with different ages and professions background. The analysis technique by using descriptive qualitative method that is useful to provide facts and data. The result shows that public perception toward the use of financial technology (fintech) includes attitude, interest, understanding, motivation, and expectation. Where attitude of society towards the use of fintech, providing support to the progress of financial technology innovation in Indonesia is very helpful for the community, while the public interest to use fintech has been proven from interviews 9 out of 10 respondents have been interested by using it. The society has understood the benefits and usage of fintech because using fintech is more efficient and effective than other financial services so that people are motivated to use fintech. The society hope to the organizers of fintech in order to provide socialization to the public and practicality in using the service, so that people who lack understanding of technology can use it easily.</span>

scholarly journals ANALISIS SWOT: FAKTOR INTERNAL DAN EKSTERNAL PADA PENGEMBANGAN USAHA GULA MERAH TEBU (Studi Kasus di UKM Bumi Asih, Kabupaten Bondowoso)

2018 ◽  
Vol 12 (02) ◽  
pp. 107
Author(s):  
Yani Subaktilah ◽  
Nita Kuswardani ◽  
Sih Yuwanti
Keyword(s):  
Factor Analysis ◽  
Sugar Cane ◽  
External Factor ◽  
External Factors ◽  
Internal Factor ◽  
Internal Factors ◽  
Brown Sugar ◽  
Internal Position ◽  
Factor Evaluation ◽  
Internal And External Factors

One product from the sugar cane is brown sugar cane. ‘UKM Bumi Asih’ is one of the producer of the sugar cane in Bondowoso Regency. Brown sugar cane has potential prospect to developed because it can be used to any purposed (for household needs and beverage industries). This study was aimed to identify the internal and external factors that affected business development of brown sugar cane. The study were used the methods of internal factor evaluation (IFE) and eksternal factor evaluation (EFE). Internal factor analysis was performed to identify the company's internal strengths that can be used and anticipated weaknesses. External factor analysis was conducted to identify opportunities that can be exploited and threats that can be avoided. The scores output from matrix IFE and EFE were all categorized with total score 2.812 for internal factors and 3.0315 for external factor. Both scores were above 2.5 which meas that the internal position was strong enough. So its has the ability above the average to take advantage of the power and opportunities to anticipated the internal weakness and the threats. Keywords: brown sugar cane, eksternal factor, internal factor

scholarly journals Unit Produksi dan Jasa sebagai Edupreneurship

2019 ◽  
Vol 4 (7) ◽  
pp. 944
Author(s):  
Desy Anggreani ◽  
Sudarmiatin Sudarmiatin ◽  
Suharto Suharto
Keyword(s):  
Social Media ◽  
Factor Analysis ◽  
External Factor ◽  
External Factors ◽  
Internal Factor ◽  
Service Unit ◽  
Use Of Technology ◽  
Swot Matrix ◽  
Internal And External Factors ◽  
Marketing Implementation

<p class="Abstrak"><strong>Abstract:</strong> This study focuses on identifying internal and external factors from Crystal Guava Production and Service Unit of SMK 2 Batu. Therefore, strategies for the development of Production Units as edupreneurship can be obtained, namely vehicles for practicing work and entrepreneurship for students by doing creative and innovative efforts, the use of technology at the time of the guava crystal production process and its marketing implementation. Based on the internal factor analysis of the UPJ in SMK 2 Batu at 1.19 and the external factor analysis of 1.15 which is then analyzed using the SWOT matrix at the coordinate point (1.19:1.15) which means the quadrant I (SO) namely having to develop their internal power be`1cause the opportunity to develop UPJ in SMK N 2 batu is widely opened. The SO strategy that has been developed based on the SWOT matrix is (1) making Guidelines for production activities of Production Units that propose Curriculum, (2) product development and the use of the latest technology in organic crystal cultivation, (3) expanding market share with promotional media on social media, (4) increasing student involvement in cultivation and marketing (sales services, promotion in social media), (5) increasing collaboration with industrial parties to transfer knowledge and technology of crystal guava cultivation and maintain continuity of guava products.</p><strong>Abstrak:</strong> Penelitian ini berfokus untuk mengindentifikasi faktor internal dan faktor eksternal dari Unit Produksi dan Jasa Jambu Kristal SMKN 2 Batu sehingga diperoleh strategi-strategi pengembangan Unit Produksi sebagai <em>Edupreneurship</em> yaitu wahana berlatih bekerja dan berwirausaha bagi siswa dengan melakukan yang usaha kreatif dan inovatif, dan penggunaan teknologi pada saat budidadaya Jambu Kristal serta pemasarannya. Berdasarkan analisis faktor internal dari Unit Produksi dan Jasa SMKN 2 Batu sebesar 1,19 dan analisis faktor eksternal sebesar 1,15 yang selanjutnya dianalisis susuai matriks SWOT berada pada titik koordinat (1,19: 1,15) yang berarti pada kuadran I (SO) yaitu harus mengembangkan kekutan internalnya karena peluang untuk mengembangkan Unit Produksi dan Jasa SMKN 2 Batu sebagai <em>Edupreneurship </em>terbuka lebar. Adapun strategi SO yang dikembangkan. Adapun strategi SO yang telah dikembangkan berdasarkan matriks SWOT ialah (1) pembuatan Pedoman kegiatan produksi Unit Produksi yang mengaju Kurikulum, (2) melakukan pengembangan produk dan penggunaan teknologi terbaru pada budidaya jambu kristal (organic), (3) memperluas pangsa pasar dengan media promosi di media sosial, (4) peningkatan keterlibatan siswa dalam budidaya dan pemasaran (layanan penjualan, promosi di media soasial), (5) Meningkatkan kerjasama dengan pihak DU/DI yang sejenis untuk transfer ilmu dan teknologi budidaya jambu kristal dan menjaga kontinuitas produk jambu.

scholarly journals STRATEGI OPTIMALISASI PENGELOLAAN DANA KAPITASI JAMINAN KESEHATAN NASIONAL PUSKESMAS DI KABUPATEN BONDOWOSO

BISMA ◽  
2017 ◽  
Vol 11 (2) ◽  
pp. 224
Author(s):  
Fitri Indah Sari ◽  
Imam Suroso ◽  
Nurhayati Nurhayati
Keyword(s):  
Public Health ◽  
Factor Analysis ◽  
Financial Management ◽  
Swot Analysis ◽  
Public Health Service ◽  
External Factor ◽  
Health Clinic ◽  
The Public ◽  
Technical Management ◽  
Community Health Clinic

Abstract:The management of capitation funds of National Health Insurance (JKN) for the Regional Common Service Community Health Clinic is part of the regional financial management. The Public Health Service of Bondowoso Regency has implemented JKN since 2014. The capitation fund has a substantial excess funding with the increasing number of memberships and a management administration problem. This research aims to analyze the alternative strategy of optimizing the management of JKN capitation fund run by the Community Health Clinic in Bondowoso Regency using Strengths Weaknesess Opportunities and Threats (SWOT) analysis. The results of external and internal factor identification in Internal External (IE) matrix show that the value of External Factor Analysis Summary (EFAS) matrix is 2.96 and the value of External Factor Analysis Summary (IFAS) matrix value is 2.8. Accordingly, the strategic position for the Public Health Service is the hold and maintain position. Results of SWOT analysis show that there are 3 priority strategies, i.e., SO1 strategy (improving cooperation and cross sector coordination in technical management of the JKN capitation fund), SO2 strategy (improving monitoring and internal evaluation), and WO2 strategy (improving the manager’s competence by providing training and technical guidance). The most possible priority strategy based on the Quantitative Strategic Planning Matrix (QSPM) with the highest Total Attractiveness Score (TAS) of 6.117 is SO1 strategy, i.e., increasing cooperation and cross sector coordination in term of technical management of the JKN capitation fund. Keywords: Strategy, Financial Management, JKN.

scholarly journals Terapi Cognitif-Behavioral untuk Modifikasi Core Belief antara Pasangan dalam Pernikahan

Raheema ◽  
2014 ◽  
Vol 1 (1) ◽  
Author(s):  
Agus Handini
Keyword(s):  
External Factor ◽  
Religious Life ◽  
External Factors ◽  
Life Choices ◽  
Internal Factor ◽  
Core Belief ◽  
Two Factors ◽  
Women's Role ◽  
Internal And External Factors

There are two factors causing an anxiety to women, the internal and external factors. Furthermore, the internal factor includes women’s role in a domestic matter. Linda Hager says the unfinished pressure for women isto manage their schedule towards the children, society, religious life, and work’s responsibility. Those, according to Hager, lead to overload or hot reactor behavior(Hager & Hager, 1999:24). Moreover, the external factor is women’s self-devotion towards their couple and children that cuts off their own time for themselves. As a result, the women will experience the loneliness, anger, and frustration because of their life choices (Hager & Hager, 1999:24). Therefore, the honeymoon effects will be terminated due to those situation and preferences.

scholarly journals Why customers stay: reasons and consequences of inertia in financial services

2004 ◽  
Vol 14 (2/3) ◽  
pp. 183-194 ◽  
Author(s):  
Lesley White ◽  
Venkat Yanamandram
Keyword(s):  
Financial Institutions ◽  
Preliminary Data ◽  
Financial Services ◽  
Quantitative Research ◽  
Financial Institution ◽  
Qualitative And Quantitative ◽  
Depth Interviews

This research investigated inertia in a financial‐services context, with particular focus on the reasons for consumers’ dissatisfaction and inert behaviour, and studied customers’ complaining behaviours and past and future inertia. The study utilised a two‐part methodology, including both qualitative and quantitative research. A total of 20 in‐depth interviews provided the preliminary data required for developing a questionnaire that was subsequently completed by 410 respondents. Determinants of dissatisfaction included the number and size of account fees, whilst determinants of inertia were the perception of similarity between financial institutions and the complexity, costs and time inherent in switching. Factors differentiating future inertia and future active customers included the type of account, length of time the account had been held, membership of a number of financial institutions, income and level of consideration given to changing financial institution.

scholarly journals Analysis The Role Of Correctional Center (Bapas) The Exemption Conditional

2018 ◽  
Vol 1 (3) ◽  
pp. 807
Author(s):  
Timbul Mangaratua Simbolon
Keyword(s):  
Secondary Data ◽  
Field Studies ◽  
External Factors ◽  
Primary Data ◽  
Conditional Release ◽  
The Public ◽  
The Social ◽  
Two Factors ◽  
Library Studies ◽  
Social Grant

The problems of this study are 1) What is the role BAPAS of prisoners who have gained parole? 2) Any constraints faced by BAPAS in conducting guidance to inmates who obtain parole? The method used in this study using qualitative analysis, that takes into account the facts that exist in the field of practice which are then compared with the description obtained from the study of literature. From this analysis it can be seen the effectiveness of the criminal system that is instructive to the child as a criminal. Data obtained from both primary data and secondary data then analyzed qualitative diskritif troubleshooting procedures examined by exposing data have been obtained from the library studies and field studies were analyzed with the form of conclusions. The results using this sociological juridical methods conclude that: 1) Implementation guidance is felt still far from the expectations of the client, because the guidance conducted by the social counselor counsels are only just so monotonous at all. Whereas in the implementation of the Directive No. E-39-PR.05.03 of 1987 regarding Correctional Client Guidance was mentioned about the forms of activity, so that what has been a guide in the implementation of forms of activity can not run properly, 2).Constraints can be divided into two factors, namely the constraints caused by internal factors and constraints caused by external factors. As the constraints caused by the internal factor is the perception that the client to obtain a conditional release will apply to both the public, As for the problems caused by external factors is the client's premises much an obstacle for the client to do a report that it was his duty, so sometimes it is supervising the relevant social grant a dispensation for the client to do the report at a certain time.Keywords: Strategy; Correctional Centers (BAPAS) Non-Conditional.

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